Cov tswv tsev tuav cov ntaub ntawv sib npaug. Yuav tsum paub yog tias koj xav qiv

Cov ntaub ntawv nce nqi hauv tsev kuj tseem ua rau cov neeg muaj vaj huam sib luag muaj nyob hauv lawv lub tsev.

Rau ntau tus neeg Asmeskas, qhov ntawd txhais tau tias lawv tuaj yeem qiv nyiaj ntau dua rau qhov feem ntau lawv cov cuab tam loj tshaj plaws.

Txawm li cas los xij, cov kws paub txog nyiaj txiag ceeb toom koj yuav tsum ua tib zoo xav ua ntej ua qhov kev txav no.

Qhov nruab nrab cov neeg qiv nyiaj tam sim no muaj txog $ 185,000 hauv vaj tsev sib npaug rau kais, uas yog cov nyiaj uas lawv tuaj yeem nkag tau thaum tseem tuav tau 20% ceg txheem ntseeg, raws li kev tshawb fawb qiv nyiaj los ntawm Black Knight.

Ntxiv ntawm Nyiaj Txiag:
Yuav ua li cas yuav tsum tau thawj lub tsev nyob rau hauv lub khw niaj hnub no
65% ntawm cov poj niam yuav yuav tsev yam tsis tau ua ntej
Cov nqi xauj tsev tau nce 30% hauv qee lub nroog

Tus tswv tsev muaj kev ncaj ncees tam sim no yog tag nrho $ 9.9 trillion, raws li Black Knight. Qhov ntawd los tom qab 35% nce hauv 2021 muaj nqis txog $ 2.6 trillion, qhov loj tshaj plaws txhua xyoo nce ntawm cov ntaub ntawv, ntaus $ 1.1 trillion pob hauv 2020.

Rau qee tus tswv tsev, kev lag luam kub tau ua rau lub sijhawm txaus nyiam muag. Tau kawg, tib cov nqi nce ntxiv, nrog rau cov nqi xauj tsev siab, tuaj yeem ua rau tib neeg tsiv chaw nyuaj.

Ntau tus tswv tsev tau xaiv los kos nyiaj los ntawm lawv lub tsev, uas lawv ib txwm ua tau peb txoj hauv kev. Qhov ntawd suav nrog qhov hu ua nyiaj ntsuab tawm nyiaj rov qab; Cov kab kev sib npaug hauv tsev ntawm credit, lossis HELOCs; thiab thim rov qab qiv nyiaj, feem ntau muab los ntawm qhov hu ua homeequity conversion mortgages, lossis HECMs.

Ntau tus tswv tsev, tshwj xeeb tshaj yog cov hnub nyoog 62 thiab tshaj saud, tau mob siab rau rho tawm kev ncaj ncees los ntawm lawv lub tsev thaum muaj kev lag luam tam sim no, kev tshawb fawb los ntawm Lub Tsev Haujlwm Hauv Nroog pom. Tus lej ntawm cov nyiaj qiv rau cov neeg laus tau nce mus rau 759,000 hauv 2020, los ntawm 647,000 xyoo 2018.

Qhov kev nce no feem ntau tau tsav los ntawm cov nyiaj ntsuab tawm ntawm cov nyiaj rov qab, uas yog qhov tshiab, qiv nyiaj loj dua hloov qhov dhau los. Cov nyiaj qiv nruab nrab rau cov kev lag luam tau nce mus rau $ 205,000 hauv 2020, los ntawm $ 180,000 hauv 2018, raws li Lub Tsev Haujlwm Hauv Nroog.

Nrog rau cov nqi qiv nyiaj yuav tsum nce siab raws li Tsoom Fwv Teb Chaws Reserve nce tus nqi paj, uas tuaj yeem ua rau muaj kev txhawb siab rau cov tswv tsev los ua cov kev hloov pauv tam sim no.

"Raws li cov paj laum nce hauv xyoo tom ntej, koj tuaj yeem pom cov tib neeg siv cov khoom lag luam thib ob ntxiv ... txhawm rau coj mus rau qee qhov kev ncaj ncees thaum lawv xav tau," Karan Kaul, tus kws tshawb fawb tseem ceeb ntawm Housing Finance Policy Center ntawm Lub Tsev Haujlwm Hauv Nroog.

Kaul tau hais tias "Cov tib neeg twb muaj tus nqi qis heev, thiab raws li cov nqi nce nws yuav tsis muaj txiaj ntsig rau lawv feem ntau kom rov qab tau nyiaj," Kaul hais.

Raws li tus nqi pib, kev ua lag luam yuav hloov pauv los ntawm kev ua lag luam feem ntau ntawm cov nyiaj rov qab mus rau ntau HELOCs thiab qiv nyiaj hauv tsev nyob rau xyoo tom ntej, nws hais.

Cov nyiaj ntsuab tawm rov qab xav kom koj rov qab them koj cov nqi tsev tag nrho, uas yuav tsis zoo rau ntau tus neeg siv khoom, vim tias lawv cov nyiaj them yuav nce mus. HELOC tej zaum yuav yog qhov kev xaiv zoo dua rau ib tus neeg uas tab tom hloov kho lawv chav dej, piv txwv li, thiab xav tau qiv tsuas yog $ 25,000. Thaum qhov ntawd yuav muaj cov paj laum ntau dua, tus thawj tswj hwm ntawm qhov qiv nyiaj qis dua, Kaul tau hais.

Kaul tau hais tias "Nws yog tus kheej, kev xam tus kheej uas yuav tsum tau tshwm sim hauv tsev neeg," Kaul hais.

Thaum txiav txim siab seb yuav qiv los ntawm koj lub tsev, nws yog ib qho tseem ceeb uas yuav tsum nco ntsoov tias cov qiv nyiaj feem ntau yuav xav kom koj tuav 20% feem pua ​​​​ntawm kev ncaj ncees, hais tias Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm Bankrate.com.

"Los ntawm qhov loj, qhov no tsis yog xyoo 2005, thaum koj tuaj yeem rub tawm txhua qhov kawg npib tsib xee ntawm kev ncaj ncees uas koj muaj," McBride tau hais.

"Tsuas yog vim koj muaj vaj tse nyob tsis tau txhais hais tias koj tuaj yeem qiv los ntawm nws," nws hais.

Rau cov neeg uas xav kos nyiaj los them cov npav rho nyiaj lossis nyiaj txiag cov phiaj xwm txhim kho tsev, qhov kev sim siab tseem tuaj yeem ua tau zoo.

Tam sim no cov credit card nqi yog hovering nyob ib ncig ntawm 16%, raws li Bankrate, thaum lub tsev qiv nyiaj nyob ib ncig ntawm 4%.

McBride ceeb toom tawm tsam kev sib sau koj daim npav rho nyiaj nrog qiv nyiaj hauv tsev raws li kev daws teeb meem tas mus li. Yog tias cov nuj nqis yog qhov tshwm sim ntawm ib zaug, zoo li daim nqi kho mob lossis lub sijhawm poob haujlwm, nws tuaj yeem pab tau. Tab sis yog tias nws yog qhov qhia txog koj txoj kev ua neej, muaj feem yuav yog koj tseem yuav tau txais kev tshuav nyiaj li cas hauv tsev qiv nyiaj.

McBride tau hais tias "Yog tias koj tsis tau daws qhov teeb meem uas tsim cov nuj nqis qiv nyiaj hauv thawj qhov chaw, koj tsuas yog tsiv mus nyob ib puag ncig lub rooj zaum ntawm Titanic," McBride tau hais.

Cov phiaj xwm txhim kho tsev kuj tseem yog qhov laj thawj rau coj mus rhaub koj lub tsev sib npaug.

"Yog tias kuv ntxiv lwm chav pw thiab chav dej thiab pas dej ua ke, tus nqi ntawm qhov ntawd yog tam sim ntawd siab dua qhov koj tuaj yeem yuav tau, tsis hais txog kev lom zem uas koj yuav tau txais raws txoj kev," Charles Sachs, tus kws npaj nyiaj txiag tau lees paub. thiab tus thawj coj peev ntawm Kaufman Rossin Wealth hauv Miami.

Txawm hais tias qee tus Sachs 'cov neeg siv khoom muaj txiaj ntsig zoo tau ua raws li cov kev hloov pauv no rau kev txhim kho tsev lossis txawm tias nqis peev hauv kev nqis peev ntau dua, cov tswv yim no tsis yog rau txhua tus, nws ceeb toom.

Koj yuav tsum muaj kev paub txog nyiaj txiag thiab muaj peev xwm ua rau muaj kev pheej hmoo, nws hais.

Ntxiv mus, nws yog tsis yooj yim sua kom paub thaum twg lub hauv qab kiag li qiv yuav. Txawm li cas los xij, peb yuav saib rov qab hauv tsib xyoos thiab khib ntawm cov paj laum tam sim no, nws hais.